1010 Cardinal Dr, Effingham, IL 62401 Property Records

Effingham County property record for 1010 Cardinal Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,870 sqft · built 1980
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$1,455,000 (Sep 2026)
Tax Bill	$6,067 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-213-034`

Property Details

APN / Parcel Number

Primary APN	`03-11-213-034`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,870 sqft Base Area
1st Floor Area	1,870 sqft
Basement Area	1,870 sqft
Unfinished Basement	1,870 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1010 CARDINAL DR
City	EFFINGHAM
State	IL
Zip	62401-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 PARK HILLS SUB ADD 2 3809/180 3304/19 2549/109 2217/93 1021/237 630/27
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	25
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1075
Census Tract	950600

Owner

1010 Cardinal Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Effingham County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Jun 1, 2017	Warranty Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Sep 7, 2022 · Amount on File
Deed Document Number	20263752
Prior Transfer Date	Apr 13, 2006
Prior Transfer Doc	002217/093
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 30, 2026
Property Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166
Document Number	0000003752
Instrument Date	Sep 24, 2026
Instrument	20263752
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$73,477.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 7, 2022
Property Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166
Document Number	003809/180
Book / Page	3809 / 180
Map Reference	PL 4-A
Instrument Date	Sep 2, 2022
Instrument	202222003681
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166

Mortgage

Document Number	202222003682
Date	Sep 7, 2022
Instrument	202222003682

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.53%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.53%
Index	1-Year CMT
Max Rate	9.53%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 1, 2017
Property Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166
Document Number	003304/019
Book / Page	3304 / 019
Map Reference	PL 4-A MB 10 PG 35
Instrument Date	May 25, 2017
Instrument	201701702370
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Tax	$39.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1010 CARDINAL DR, EFFINGHAM, IL 62401-3166

Mortgage

Document Number	201701702371
Date	Jun 1, 2017
Instrument	201701702371

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Cardinal Dr was $6,067 with a homeowner's exemption.

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Douglas Township
Municipality	Effingham City
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,067.00	$113,550 Land $20,430 Building $93,120	$340,650 Land $61,290 Building $279,360
2022	$5,324.00 Homeowner's exemption	$86,090 Land $15,490 Building $70,600	$258,270 Land $46,470 Building $211,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1010 Cardinal Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1010 Cardinal Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 148 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fidium Fiber DSL	200 / 40
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile.

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